Should I Settle or Pay Collection Account in Full?

[EchoSlayer90]

Hey, is it a good idea to settle a collection account or just pay it all? What does that do to your credit? Thanks!

 

[Cluckinator89]

Dispute old addresses via LexisNexis. Update your profile with the new address. The process takes about 30 days. Once done, dispute the collection. Remember: when disputing items through credit bureaus, they verify accounts through addresses.